DCU Visa Platinum® Secured Credit Card Review

DCU Visa Platinum® Secured Credit Card is a secured credit card credit card issued by Digital Federal Credit Union. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 300.

Accepts cosigners. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

If you're wondering whether DCU Visa Platinum® Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a DCU Visa Platinum® Secured Credit Card cash back or rewards program?

No, DCU Visa Platinum® Secured Credit Card does not offer a rewards program.

DCU Visa Platinum® Secured Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the DCU Visa Platinum® Secured Credit Card benefits?

DCU Visa Platinum® Secured Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Fraud Liability
• Travel Accident Insurance
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for DCU Visa Platinum® Secured Credit Card?

DCU Visa Platinum® Secured Credit Card has a variable purchase APR of 13%. The card has a variable balance transfer APR starting at 13% .

It also has a variable cash advance APR starting at 13% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the DCU Visa Platinum® Secured Credit Card fees?

No Annual Fee. DCU Visa Platinum® Secured Credit Card does not charge an annual fee. No foreign transaction fee. DCU Visa Platinum® Secured Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

The following fees apply to DCU Visa Platinum® Secured Credit Card:

DCU Visa Platinum® Secured Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$0
Late Payment Fee	$35

Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?

DCU Visa Platinum® Secured Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for DCU Visa Platinum® Secured Credit Card

• Visit the Digital Federal Credit Union website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.